Horseman

I don't have a mortgage. I wouldn't however pay it off with interest rates as high as they are now. You have safe sure fire returns that are better than what you're being charged. Once that equals out I wouldn't blame you for paying off the mortgage. Overall less risk.

The best bang for your buck is the HSA because it's pre-tax, grows tax free and isn't taxed in retirement. It's really the only investment vehicle where you never pay any kind of tax. Do not use the HSA for paying medical bills. Pay in cash and save the receipts. With the receipts you can reimburse yourself at anytime, i.e in retirement after all that money has grown tax free for many years. You didn't mention a Roth IRA (not 401k). If you don't have any other retirement accounts outside of employer (401k, Simple) you should be doing another $6,500 ($7,500 if over 50), a year into a regular Roth IRA. If you exceed the income limits you can still do it via Backdoor Roth (contribute to IRA then simply convert it to a Roth IRA). If both you and your wife can do it, that's another $13,000 per year ($15,000 if over 50). If you have existing IRAs outside of employer you likely don't want to do a Backdoor Roth because your tax liability upon conversion is calculated on the sum of all your IRAs. But you can still do a regular IRA contribution with the same amounts described above. Those two are no brainers. The next and biggest thing is asking/finding out if your employer has an After-tax 401K option. There isn't any reason they can't offer them, most just don't or are unaware. That way instead of investing your extra 25K (you can do up to 43K as explained below) into a brokerage account you could have your employer take it out of your paycheck after tax into After-tax 401K. Then, simply do a conversion from After-Tax 401K into a regular Roth IRA like the backdoor explained above. That's called a MegaBackdoor Roth (google it). Total contribution to 401K is $66,000 ($73,500 if over 50). So the breakdown is as follows per person if you both are working and have the investment vehicles available. $22,500 Roth 401K $43,500 ($66,000 minus $22,500 already contributed above) After Tax 401k rolled over into a Roth IRA (MegaBackdoor) $7,500 Roth IRA (Backdoored if needed) $7,750 HSA (note catchup for HSA doesn't start until age 55) TOTAL: $81,250/year ($88,750 if over 50) The best part is that you'll never pay capitol gains tax on any of it because it's all sheltered inside a Roth or HSA. If you can get the After-tax 401k option from your employer but can't afford $43,500 a year you might consider selling your brokerage account to pay yourself while putting your paycheck through the After-tax into Roth. Effectively moving your brokerage account under the Roth shelter.

You're assuming a set age/time for retirement. The goal really is being independently wealthy, then you can do whatever you want to do. Putting more away now makes that happen sooner. That being said I wouldn't sacrifice the things you mention; vacations, hobbies. Just be smart about it. Be creative for cheaper vacations and save the exotic and expensive places until after you're wealthy.

A set of Le Creuset and some cast iron skillets. I don't anticipate buying cookware ever again.

Or in your case, Quiche.

They were ordered to pay $100,000 each in Andy's lawsuit.

There he is!

Just missing these guys: @Alias Detective @Cloaca du jour @Twinsdad

Join here: https://fantasy.espn.com/football/league/join?leagueId=520992816&inviteId=3189a479-e079-4a46-87db-c03a86da4638 I don't see you logged in yet.

Divisions are for poosays. And run the foking draft order already. Just use the same team names from last year, and if anyone drops out then their replacement takes thier draft spot too. @Alias Detective @WhiteWonder @Gladiators @Cloaca du jour @Twinsdad Sign up now or put up your team for sale.

Divisions are for poosays. And run the foking draft order already. Just use the same teams from last year, and if anyone drops out then their replacement takes thier draft spot too. @Alias Detective @WhiteWonder @Gladiators @Cloaca du jour @Twinsdad Sign up now or put up your team for sale.

Blue shoe vs Gutterboy

Good one! Now do your little dance.

Gutterboy comes out swinging.

No. Best you can do is use imgbb and post links.

After dues? 2nd overall, two first places (incl BMW) and a couple seconds I think I netted about $500.

Damn, was just thinking the same thing and was about to bump. When and how much?

Pretty much what Paul says below in figuring out the stall time vs. rest time. I use a simple standard rub, a little more than just pepper and salt: paprika, onion powder, garlic powder. Two years ago at our main event BBQ I was sweating the stall, seemed like it was taking forever and got done just in the nick of time so after an hour in the cooler it was perfect. Last year I started way too early not wanting to worry about the stall and of course got done early, after four hours in the cooler the meat was fall apart tender. Really good but, too tender for brisket imo. I think 4 hours in the cooler is too much for brisket and wonder if I should have just covered it on the counter like Paul suggests. Best idea is to have day long activities and lots of sides so the party isn't expecting the main to be done at a certain time so you can have it at 1:00 or 4:00 depending on the stall. I do a butt and a brisket to feed 20-25 people. Rotate on the Smokey Mountain and fill up the other smokers/grills with sides. Main event is getting big enough we might hire a band this year.

Request sent. Thanks.

Wow, Hovland with the back 9, damn.

I think Lager said he's was golfing late. Unofficial: BMW Championship bostonlager 1 2 3 4 Rory McIlroy -5 -5 Tyrrell Hatton 0 2 Collin Morikawa -3 -3 Cameron Young -3 -2 Total -11 -10 Horseman 1 2 3 4 Scottie Sheffler -4 -5 Jordan Spieth -2 -2 Xander Schauffele 1 -4 Brian Harman -5 -7 Total -11 -16 Clocaine 1 2 3 4 Jon Rahm -2 2 Max Homa -2 -10 Rickie Fowler -4 -5 Adam Schenk 2 1 Total -8 -14 edjr 1 2 3 4 Patrick Cantlay -2 -4 Lucas Glover 0 -3 Corey Conners -3 -3 Sungjae Im -2 -4 Total -7 -11 jerryskids 1 2 3 4 Viktor Hovland -1 -3 Tommy Fleetwood 0 -3 Hideki Matsuyama 1 WD WD WD Russell Henley -1 -2 Total -2 -8

Best player on the planet could only be bothered for one birdy today.

Took me a minute.

What did I miss?